Aaron L. Groff, Jr., Chairman, President & CEO, The Ephrata National Bank, Ephrata, PA, has been elected a Class A director by member banks in Electoral Group 3. Mr. Groff's term will begin January 1, 2007.

Michael F. Camardo, Executive Vice President, Lockheed Martin Information & Technology Services, Cherry Hill, NJ, has been elected a Class B director by member banks in Electoral Group 3. Beginning on January 1, 2007, Mr. Camardo will be filling the unexpired portion of a three-year term that began January 1, 2006.

Garry L. Maddox, President & CEO, A. Pomerantz & Company, Philadelphia, PA, has been re-elected as a Class B director by member banks in Electoral Group 1. Mr. Maddox's term will begin January 1, 2007.

We are pleased to announce the following appointments that were made by the Board of Governors of the Federal Reserve System and are effective January 1, 2007: